The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$9,781
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,085
−HK$309/mo
Today · 4.125%
HK$10,394
baseline
▲ 0.50% · 4.625%
HK$11,027
+HK$633/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$20,788/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$57,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,881
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,173
−HK$296/mo
Today · 4.125%
HK$11,469
baseline
▲ 0.50% · 4.625%
HK$12,074
+HK$605/mo
Deposit HK$2.14M · loan HK$2.14M · min. income ≈ HK$22,938/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$57,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,737
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,102
−HK$371/mo
Today · 4.125%
HK$12,473
baseline
▲ 0.50% · 4.625%
HK$13,232
+HK$759/mo
Deposit HK$1.72M · loan HK$2.57M · min. income ≈ HK$24,946/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$57,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,057
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,408
−HK$355/mo
Today · 4.125%
HK$13,763
baseline
▲ 0.50% · 4.625%
HK$14,488
+HK$725/mo
Deposit HK$1.72M · loan HK$2.57M · min. income ≈ HK$27,526/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$57,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,693
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,119
−HK$433/mo
Today · 4.125%
HK$14,552
baseline
▲ 0.50% · 4.625%
HK$15,438
+HK$886/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$29,104/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$57,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,234
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,642
−HK$415/mo
Today · 4.125%
HK$16,057
baseline
▲ 0.50% · 4.625%
HK$16,903
+HK$846/mo
Deposit HK$1.29M · loan HK$3.00M · min. income ≈ HK$32,114/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$57,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,606
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,153
−HK$557/mo
Today · 4.125%
HK$18,710
baseline
▲ 0.50% · 4.625%
HK$19,848
+HK$1,138/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$37,420/mo (50% DSR)
Upfront cash ≈ HK$487K (deposit + AVD stamp duty HK$57,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,586
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,112
−HK$532/mo
Today · 4.125%
HK$20,644
baseline
▲ 0.50% · 4.625%
HK$21,733
+HK$1,089/mo
Deposit HK$429K · loan HK$3.86M · min. income ≈ HK$41,288/mo (50% DSR)
Upfront cash ≈ HK$487K (deposit + AVD stamp duty HK$57,985 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).